Check with your auto insurance agent. They know Texas laws, and they are different that California and Oregon where I have lived. You can insure it as a RV trailer, and just suspend the liability part of the insurance, the expensive part for driving it around. I would also get a renters policy for your "Apartment" (they don't care if it is the RV) they are fairly in-expensive, and normally add a 10% discount of your total automobile insurance cost, so if you are paying $1,500 a year, it can save $150 while the renters insurance cost is only about $200 - $240.
Ask the agent. Will a fire started by the RV be covered? Your rural fire department will usually charge a fee to put out a grass fire started by the RV catching fire. Ask about that broken leg, will the renters insurance cover it?
Fred.
